Full-Spectrum Payments Advisory
From strategy to AI-powered tools and hands-on implementation — we deliver measurable outcomes across every dimension of the payments value chain for banks, MNOs, telcos, insurers, energy companies, and loyalty operators worldwide.
Seven domains. One integrated practice.
Our advisory practice covers the complete payments value chain — from issuing and acquiring through to loyalty platforms, fleet cards, and AI tools.
Payments
End-to-end payments strategy and transformation. We assess your current state, benchmark against global best practice, and design a transformation roadmap that delivers measurable commercial outcomes.
Issuing
Card and credential issuance advisory — from scheme selection and processor integration to go-to-market strategy and portfolio optimisation for banks and fintechs.
Acquiring
Merchant acquiring strategy, pricing optimisation, and certification support. We help acquirers and processors grow merchant portfolios, reduce costs, and accelerate scheme certification.
Merchant Acceptance
Acceptance technology rollout, SoftPOS, NFC, and multi-channel acceptance strategy. We help merchants and acquirers deploy secure, multi-brand acceptance everywhere.
Digital Banking
Digital transformation advisory for banks — from open banking and API strategy to digital product design, customer experience, and core banking modernisation.
Loyalty Platforms
Design, build, and optimise loyalty programmes and platforms for banks, retailers, airlines, and telcos. From coalition loyalty schemes to single-brand programmes and AI-powered personalisation.
Fleet & Energy Payments
Fleet card issuing and acceptance advisory for oil, energy, and logistics companies. From scheme design and card issuance through to merchant acceptance network rollout and fleet management integration.
Advisory tailored to your industry
Banks & Financial Institutions
We help banks modernise their payments infrastructure, reduce operational costs, and unlock new revenue streams in an increasingly competitive landscape.
Payments Strategy & Transformation
Define and execute a winning payments strategy aligned to your business objectives. We assess your current state, benchmark against global best practice, and design a transformation roadmap.
Cost Optimisation
Identify and eliminate inefficiencies across payment processing, reconciliation, settlement, and operations. Our AI-driven cost models surface savings that traditional reviews miss.
Revenue Assurance
Recover lost revenue through systematic identification of billing gaps, fee leakage, interchange optimisation, and transaction monitoring. Typical engagements recover 2–8% of payments revenue.
Issuing & Acquiring Advisory
End-to-end advisory on card issuance, acquiring strategy, scheme certification, and portfolio optimisation.
Digital Banking & Open Banking
Design and launch digital payment products, APIs, and open banking capabilities.
Loyalty Platform Design
Build or optimise loyalty programmes that drive customer engagement and revenue.
MNOs & Telcos
Mobile money is one of the world's most powerful financial inclusion engines. We help MNOs and telcos build, scale, and monetise mobile financial services platforms — and advise telcos venturing into mobile money for the first time.
Mobile Money Strategy
Define your mobile money positioning, product roadmap, and go-to-market strategy. We help you compete with banks and fintechs while leveraging your unique distribution advantage.
Telco-to-MFS Venture Advisory
End-to-end advisory for telcos entering mobile financial services — from business case and regulatory strategy through to platform selection, launch, and scale.
Interoperability & Integration
Design and implement interoperability frameworks that connect your platform to banks, other MNOs, and regional payment switches.
Revenue Maximisation
Unlock new revenue streams through merchant payments, international remittances, lending, insurance, and savings products.
Agent Network Optimisation
Improve agent productivity, reduce churn, and optimise liquidity management across your distribution network.
AI-Powered Fraud & Risk
Deploy ML-powered fraud detection tailored to mobile money transaction patterns.
Insurance Companies
Embedded payments and digital distribution are transforming insurance globally. We help insurers modernise premium collection, claims disbursement, and distribution.
InsurTech Payments Strategy
Define your digital payments strategy for premium collection, claims, and embedded insurance.
Premium Collection Optimisation
Reduce lapse rates and improve collection efficiency through digital payment channels.
Claims Disbursement Modernisation
Replace slow, costly cheque and cash claims payments with instant digital disbursements.
Embedded Insurance Design
Design and launch embedded insurance products distributed through banks, MNOs, and digital platforms.
Operational Environment Review
Assess the maturity and efficiency of your payments operations and implement improvements.
Oil, Energy & Fleet
We help oil companies, energy firms, and fleet operators design and deploy fleet card programmes — from scheme governance and card issuance through to merchant acceptance network rollout.
Fleet Card Scheme Design
Design the governance, rules, and commercial model for your fleet card programme — whether proprietary or co-branded with Visa or Mastercard.
Card Issuance Advisory
Select and integrate the right card issuing processor, personalisation bureau, and card management system for your fleet programme.
Acceptance Network Rollout
Design and deploy your fleet card acceptance network — from fuel stations and service centres to toll roads and parking.
Fleet Management Integration
Integrate your card programme with fleet management, telematics, and ERP systems for seamless operations.
Fraud Controls & Risk Management
Implement transaction controls, velocity limits, and AI-powered fraud detection tailored to fleet card usage patterns.
Fintech & Payment Schemes
We support fintechs, payment schemes, and central banks in designing, launching, and scaling payment infrastructure and products globally.
Fintech Business Model Advisory
Validate your business model, refine your value proposition, and build a compelling investor narrative.
Payment Scheme Design
Design domestic and regional payment schemes — including rules, governance, pricing, and technical architecture.
Central Bank Advisory
Support central banks in designing payment system policy, instant payment infrastructure, and financial inclusion strategies.
Visa & Mastercard Scheme Advisory
Thought leadership and advisory support for institutions working with Visa and Mastercard on scheme compliance, market development, and product launches.
Cross-Border Payments Design
Design and implement cross-border payment corridors — from corridor analysis and partner selection to regulatory navigation and go-to-market.
Purpose-built AI for payments and fintech
We don't just advise on AI — we build it. Our AI tools practice designs and delivers custom AI products for financial institutions, from revenue assurance engines to loyalty analytics platforms.
Revenue Assurance Engine
An AI-powered platform that continuously monitors your payments revenue streams, identifies leakage in real time, and surfaces actionable recovery opportunities. Typical deployments recover 2–8% of annual payments revenue.
Fraud Detection Platform
ML-powered fraud detection tailored to the unique characteristics of your payments ecosystem — mobile money, card, fleet, or digital banking. Reduces false positives while catching more fraud.
Loyalty Analytics Platform
AI-driven loyalty intelligence — member segmentation, churn prediction, redemption optimisation, and personalised offer engines for banks, retailers, and airlines.
Operational Analytics Dashboard
A real-time analytics platform that gives payments operations teams visibility into transaction flows, exception rates, settlement performance, and operational KPIs — with AI-driven anomaly detection.
Credit Scoring Models
Alternative data credit scoring models built for emerging markets — using mobile money transaction history, airtime usage, and behavioural signals to extend credit to underserved segments.
Custom AI Advisory
Bespoke AI strategy and product development for financial institutions with specific use cases — from chatbots and document processing to predictive analytics and process automation.
Working with Visa, Mastercard & Central Banks
We work directly with Visa and Mastercard to provide thought leadership, market development, and advisory support to central banks, regulators, and financial institutions seeking to modernise payment infrastructure and enable cross-border transactions.
How We Deliver Results
Every engagement follows our proven four-phase methodology — combining rigorous analysis, AI-powered insights, and hands-on implementation support.
Diagnose
Deep-dive assessment of your current payments environment — costs, revenues, operations, technology, and competitive position. We benchmark against global peers.
Design
Co-create a tailored strategy and solution design with your leadership team. We combine our domain expertise with your institutional knowledge to build something that actually works.
Implement
Hands-on implementation support — from vendor selection and technology integration to process redesign and change management. We stay until the job is done.
Measure
Rigorous tracking of outcomes against agreed KPIs. We don't leave until the numbers move — cost savings realised, revenue recovered, or capability built.
Start a Conversation
Tell us about your payments challenge. We'll respond within 24 hours with an initial perspective — no obligation.